discover very much is an industry call to the extent that if you look at sort of an obama play, if you will, you're getting a larger and larger portion of americans that don't qualify for traditional credit. and discover, while it's still a prime lender, is moving into that market. that's a -- it's a specific stock, but there's -- i think probably one of the best areas within financials is where the regulars have created an area where there's so much demand because borrowers' needs are not getting met. and that is effectively a shadow industry that's developing inside of the united states that's growing dramatically, that's, you know, that is not under the jury diction of tisdi consumer finance protection bureau. also importantly i'm a big advocate that parts of the united states are growing faster than emergining markets. so you have louisiana growing gdp on a double digit basis. >> you've luked the ag states for a long time. >> i like the ag states. anything exposed to the energy states, too. the big banks don't have a large concentration to those areas. they're well exposed, but the